Sahara Refund Portal: how to claim your money, step by step

Depositors of four Sahara co-operative societies can claim a refund themselves, online, on the Government of India's official portal.

Go to the official portalFix a claim you already filed
The official portals are mocrefund.crcs.gov.in and mocresubmit.crcs.gov.in; any address not ending in crcs.gov.in is not officialmocrefund.crcs.gov.inmocresubmit.crcs.gov.inAny address not ending in crcs.gov.in

Stay safe

  • The only official portals end in crcs.gov.in: mocrefund.crcs.gov.in and mocresubmit.crcs.gov.in.
  • Never pay anyone to file your claim, and never share your OTP.
  • The refund is paid only into your own Aadhaar-linked bank account.

PIB, Ministry of Cooperation, 8 September 2026 (Release ID 2308015)

Which societies does it cover?

  • Sahara Credit Cooperative Society Limited
  • Saharayn Universal Multipurpose Society Limited
  • Humara India Credit Cooperative Society Limited
  • Stars Multipurpose Cooperative Society Limited

PIB, Ministry of Cooperation, 18 July 2023 (Release ID 1940472)

What you need before you start

  • Your Aadhaar number, and the mobile phone linked to it (for the OTP)
  • A bank account in your name that is linked (seeded) to your Aadhaar
  • Your deposit certificates or passbook, with membership and account numbers
  • Copies or clear photos of these documents to upload

How to claim

  1. Open the official portal

    Go to mocrefund.crcs.gov.in. Type the address yourself; do not follow links in messages. Claims are accepted only online, on this portal.

  2. Register with Aadhaar

    Your identity is checked with Aadhaar e-KYC. The Ministry set two conditions: your Aadhaar must be linked to your mobile number, and to your bank account. Never share a one-time password (OTP) with anyone.

  3. Fill in your deposit details

    Enter the details of each deposit from your certificate or passbook: the society, your membership number and the account or certificate number. They are matched against the records the society supplied.

  4. Upload your proof

    Upload the documents the portal asks for, such as your deposit certificates or receipts. Keep copies of everything you upload.

  5. Submit and watch for updates

    Keep a copy of what you submitted. You are told the status of your claim by SMS and on the portal.

PIB, Ministry of Cooperation, 18 July 2023 (Release ID 1940472)

The claim path: register with Aadhaar, fill in deposits, upload proof and submit; the claim is verified; a verified claim is paid to your Aadhaar-linked bank account; a deficient claim is fixed and resubmittedRegisterAadhaar + OTPFill inyour depositsUploadproof, submitCheckedagainst recordsPaidto your Aadhaar-linkedbank accountDeficient?fix it on theresubmission portalSolid line: the usual path. Dashed: what happens when a claim needs correcting.

Where things stand

On 8 September 2026 the Ministry of Cooperation restored the portal to clear pending claims, with about 20 lakh applications still waiting. The Supreme Court has allowed refunds to be paid out until 31 December 2026.

Refunds paid to Sahara depositors: Rs 9,267 crore to 41,56,711 depositors as of 8 September 2026Rs 8,429.42 cr20 January 202639,46,550 depositorsRs 9,267 cr8 September 202641,56,711 depositors
Refunds paid, from Ministry of Cooperation releases. 20 January 2026, 8 September 2026

PIB, Ministry of Cooperation, 8 September 2026 (Release ID 2308015)PIB, Ministry of Cooperation, 17 March 2026 (Release ID 2241260)

Questions depositors ask

Who can apply?

Genuine depositors of the four Sahara societies whose deposits had matured and remained unpaid as on 31 March 2023. Claims are checked with Aadhaar e-KYC and against the societies' own records.

How much is paid, and where?

In the current phase, official releases say up to Rs 50,000 of principal is paid to each genuine depositor on a verified claim. The money goes only to your bank account that is linked (seeded) to your Aadhaar.

How long does it take?

The Ministry said at launch that, subject to the funds available, payment would be credited within 45 days of filing an online claim. On 8 September 2026 it reported about 20 lakh applications still pending, so allow for delays.

My claim was rejected or marked deficient. What now?

Depositors are told what is wrong with a deficient claim and can correct it and file it again on the re-submission portal, mocresubmit.crcs.gov.in. If a payment failed, check at your bank branch that your account is active and linked to your Aadhaar.

What about the Rs 10 lakh I have heard about?

News reports mention resubmitted claims of up to Rs 10 lakh. The latest official release on payments (17 March 2026) says up to Rs 50,000 is being paid to each genuine depositor on verified claims. Check the resubmission portal for its own rules before you resubmit.

Is there a deadline?

The Supreme Court has allowed the Central Registrar to pay refunds to depositors until 31 December 2026. No last date for filing or resubmitting a claim appears in the official releases; check the portal for any notice.

Do I need an agent, and do I have to pay?

No agent is needed: you apply yourself on the portal. The Ministry advises depositors to use only the official portals, to protect themselves from unauthorised channels and misleading claims. In villages and remote areas, Common Service Centres were asked to help genuine depositors file claims.

PIB, Ministry of Cooperation, 29 July 2025 (Release ID 2149759)PIB, Ministry of Cooperation, 17 March 2026 (Release ID 2241260)PIB, Ministry of Cooperation, 18 July 2023 (Release ID 1940472)PIB, Ministry of Cooperation, 19 July 2023 (Release ID 1940699)

If you have a complaint

Complaints about a central government office can be filed on the Centralised Public Grievance Redress and Monitoring System, pgportal.gov.in, against the Ministry of Cooperation.

This guide explains the official process. Check the portal itself for the latest notices.